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Representative example

Purchase rate

Representative APR

Assumed credit limit

Annual fee

The representative example is a handy wee tool that banks use to help you compare the cost of borrowing in one standard format.

A purchase rate is the interest rate charged when buying most goods or services on a credit card. If you pay off the full card balance each month, you will not be charged interest on purchases.

The Representative APR is the annual percentage rate that’s used to indicate the full cost of borrowing from us. This includes any up-front fees spread over a year.

The assumed credit limit is a guide limit we need to quote when we’re explaining the typical costs within the representative example. We’ve used £1200 as a guide, but the actual credit limit you receive will depend on your circumstances.

The annual fee simply confirms the fee you'll pay annually as part of your agreement with us. With The Royal Bank Credit Card, there's no annual fee.

We treat all applications on an individual basis, so the purchase rate and APR you get is determined by your own circumstances and credit history. Most successful applicants will receive the Representative APR displayed.

You may receive higher than our standard purchase rate of 9.9% p.a. (variable) up to 18.9% p.a. (variable) and higher than our balance transfer rate of 6.9% p.a. (variable) up to 14.9% p.a. (variable) upon application. Interest on fees and charges is payable in line with our terms and conditions. See the summary box document (PDF, 51KB) for more details.

No balance transfer fees

Balance transfers

What is a balance transfer?

A balance transfer is when you move a credit card balance from one credit card provider to another. People tend to use thistype of offer tohelp reduce their monthly credit card payments and/or clear their balance quicker.

Things to remember

If your application is successful, we'll contact your existing card issuers and transfer the balance on your old card across to your new Royal Bank Credit Card.

You can transfer any amount, up to 95% of your available credit limit. The minimum balance transfer amount is £100. Please note, you cannot transfer a balance from another Royal Bank of Scotland Group credit card.

Instalment Plans

Instalment Plans allow you to make regular payments against eligible individual purchases that you don’t want to pay off all at once. Please note: Instalment Plans are for existing credit card customers only.
Eligibility criteria and monthly fees apply.

Ways to pay

Ways to pay

Apple Pay and Google Pay™ allow you to make a contactless payment in shops, because all your card details are securely stored within your device. To make a payment, simply touch your device to the card reader, and you’re ready to go.

Spread the cost of your purchase

Like most UK credit cards, our range of cards offer 56 days interest free credit on purchases if you pay your balance (and your previous month's balance) in full and on time each month. That means if you want to make a big purchase, for example a holiday or a new couch, a credit card could be a good way to help you buy now and spread the cost.

Paying your credit card

Making a payment

The most common way to pay is by Direct Debit. Once you’ve set it up, the payment will be taken automatically each month from your chosen bank account. You can choose to pay the minimum amount, a fixed amount or your full credit balance every month.

You can also make a payment in the mobile app or digital banking.

If you want to understand how quickly you could clear your balance, use our repayment calculator.

Things to remember

If you set up a Direct Debit for the minimum or fixed amount, the payment is claimed 25 calendar days from the statement date, or shortly afterwards. If you set up a Direct Debit for the full credit card balance, the payment is claimed 15 calendar days from the statement date, or shortly afterwards.

Lock and unlock your credit card

Lock and unlock your credit card - in detail

We want to make managing your credit card simple and safe. If you have misplaced your credit card, you can lock and unlock it in the app. You can also use the app to request a PIN reminder or unblock your PIN. This feature applies to Mastercard credit cards only.

Get to know your spending habits

Get to know your spending habits

Setting a daily or monthly budget could help you keep an eye your credit card spending and manage your money. You can also use the app to lock and unlock certain transaction types. We’re all human, so if you accidentally go over budget, we’ll send you a notification as a wee reminder.

Manage your card whenever, wherever

Manage your card whenever, wherever

Want to make a purchase on your card but you’re not sure you’ve got available credit? Not to worry, you can use the mobile app to check your balance in seconds. You can also review all your transactions, set up a direct debit, pay off your balance, manage your credit limit and much more.

Replace your credit card

Replace your credit card

Need a replacement card? No bother. If you have an iPhone, you can order a replacement for a lost or damaged credit card using the app. Select your credit card, tap ‘Manage my card’, then tap ‘Report lost, stolen or damaged’.

Let us know your travel plans

Let us know your travel plans

If you’re off globe-trotting, avoid those unexpected hitches by registering your travel plans through the app. This way, your card transactions are less likely to be flagged as suspicious or blocked while you’re abroad. You can create one travel plan at a time. Each travel plan can include up to seven countries and last for 90 days.

Choose paperless

Choose paperless

Receiving your statements electronically not only means you’ll have less post cluttering your home, it means you’ll be helping reduce paper waste too. You can view up to 24 months of statements through the app and we’ll even send you an alert when they’re ready to view.

App available to Online Banking customers with a UK or International mobile number in specific countries.

How to apply online

What you'll need

We'll ask where you've stayed for the last 3 years, as well as information about your bank account, income and outgoings.

How long will it take?

The application takes around 10 minutes and you'll know whether you've been accepted or not within 5 minutes.

When will I get my card?

If your application is accepted, your card should be with you in 5-7 working days.

You can find out more about applying online by watching this short video guide.

Ready to apply?

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Do you have Royal Bank digital banking?

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The quickest way

As we already know a bit about you, applying for The Royal Bank Credit Card should be pretty easy as we can pre-fill in a lot of your application.

What you'll need

Your income, outgoings and employment details

Your digital banking log in details

A note of any cards you wish to transfer a balance from

Now for the important legal stuff

To apply, you must be

Aged 18+

A UK resident

Earning at least £10k per year

Important information

Please take some time to review, print and/or save the important information. By clicking that you’re ready to continue, you are confirming that you have been provided with, and have acknowledged our important documents.

What you'll need

Now for the important legal stuff

To apply, you must be

Aged 18+

A UK resident who has a UK bank account

Earning at least £10k per year

Important information

Please take some time to review, print and/or save the important information. By clicking that you’re ready to continue, you are confirming that you have been provided with, and have acknowledged our important documents.